So, Amex needs less capital relative to its charge activity because fewer of the purchases turn into loans.

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"The industry learned it had a pricing issue, " Puccia said, explaining that many companies don't charge enough relative to the risk they're now taking on in some areas.

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What we are talking about here is customer service efficiency, how much value your service adds relative to the price you charge.

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Di Matteo is a relative newcomer to managing, but has been in charge of League One side Milton Keynes Dons since last year.

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His managerial stock rose after relative success at cash-strapped Clydebank and Airdrieonians, and a spell in charge of Falkirk before he was snapped up by Dundee United in February 2003.

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Once considered one of Scotland's bright young managers after relative success at cash-strapped Clydebank and Airdrieonians, and a spell in charge of Falkirk when the state of Brockville Stadium prevented their promotion, McCall was snapped up by Dundee United in February 2003.

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